For mortgage: a pre-approved LETTER is very neccesary, which print out the rate, and effective period....and a signature, all should be black & white.

If it is not a standard, you should ask where is the PRINTED message of all his promises. If it is a standard contract, which means all items are in some printed pampletes, you should better keep one copy.

Protect yourself, before you sign anything.....and bear in your mind, every employee must be loyal to his/her employer, that is the basic rule when you run your own business and hire someone